Your savings are the basis of your child's future. Regular savings will provide your child a good education and the financial basis for the future, with lots of opportunities in the years to come. 

Depozita Kaltra is a long term investment opened during childhood. You or your relatives can make a deposit in this account at any time, adding up to the principal by increasing the profitability.

Minimum balance

The minimum balance is 5,000 Lek or the equivalent amount in other currencies

- Any amount may be credited to the deposit of your child at any time, by any third parties.
- The child shall not make use of such funds until maturity age (18 years old).

What happens when the child reaches the age of maturity?

In the day that the child reaches the age of maturity, the deposit funds will be transferred in a current account under his / her name, or it will be converted into a term deposit under demand.

Required documents

- Valid ID (passport, birth certificate) of child and both parents

Interest rates

The interest rates of this deposit are among the highest in the market:

- up to 8.35% in LEK
- up to 5.65% in EUR
- up to 3.30% in USD

A good parent always looks after his/her child!